Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 30, 2020

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Key takeaways...

  • Young drivers usually have higher monthly premiums
  • Most insurance companies offer student discounts
  • Full coverage plans protect the insurer’s interest in a vehicle in the event it is stolen, damaged, or destroyed

Young drivers pay the highest average premiums of any age demographic, thanks to historical statistics pointing to their high accident and claim rates.

It is next to impossible for a young student especially to obtain the cheapest rates for auto insurance.

But smart young drivers know that to find the lowest student car insurance quotes, they only need to shop online.

Compare student auto insurance quotes for FREE tool above! Enter your zip code to get started!

Comparing Insurance Rates


Saving money on student car insurance quotes helps young drivers and their parents get more value in their policies and reduce the overall cost of auto ownership.

To find the best values in any geographical area, it is good to take a look at several top-rated vehicle insurance providers and see what each of them has to offer for young driver coverage.

Shopping online for car insurance makes the task much easier, saving time and effort as well as money.

It is important to compare default policy offerings as well as prices.

For example, make sure the plans being offered by different companies call for identical coverage limits and deductibles.

In years past, this whole process was very arduous and time-consuming. But these days it is possible for drivers to get more accomplished in less time.

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Choosing the Best Insurance Providers

The price of student coverage is an item of great importance to most of us. In many cases, students under the age of 25 are highest-priced demographic as far as auto insurance is concerned.

Finding ways to reduce that cost of insurance is important for student drivers.

Yet it is also essential to spend time examining the credentials of the insurers you’re considering before you make a choice to enroll in coverage.

There are some important factors to think about when comparing providers:

  • Look at the customer service record of insurance companies. This is simple to do online. How is their record with the Better Business Bureau? What information do they offer on their customer satisfaction?
  • Consider the longevity and financial stability of insurance companies to make sure they can be counted on to deliver on their promises.

After all, an auto insurance plan is only as good as the company backing it. When searching for student car insurance quotes, make sure you end up with quality coverage that really protects you and your vehicle.

Student Auto Insurance Coverage Choices


For students, it may be necessary sometimes to make decisions on coverage based on what can save them the most money.

But even with this being the case, it is still important to seek out student car insurance quotes that offer real value and not just a cheap price.

Full coverage auto insurance policies are required by virtually all lien holders, so it is imperative to obtain collision and comprehensive if you owe money on your car.

Full coverage plans protect the insurer’s interest in a vehicle in the event it is stolen, damaged, or destroyed.

The good news is that collision and comprehensive, as well as liability coverage, also protect the policyholder.

The more protection included on a plan, the more expensive it is going to be.

This makes it even more important to think about your coverage and compare plans from different insurers.

Discounts for Student Car Insurance

Take the time to look at multiple options for car insurance, and evaluate each option based on your specific needs as well as your budget.

There are some excellent car insurance discounts available through most major insurers that are specifically tailored for students and their driving habits.

Many insurers offer good student discounts for unmarried drivers under the age of 25 who are enrolled in high school or college full-time and who meet certain academic requirements.

Some insurers will work with students who live on campus during the school year and leave their cars back home.

They tailor policies designed only to include the protection they need when they need it, saving them money when the cars are not in use.

Get multiple student car insurance quotes online and find out all the ways you can save on your policy.

Find and compare cheap car insurance for FREE tool! Enter your zip code below to get started now!


  1. https://www.allstate.com/auto-insurance/auto-insurance-for-teen-drivers.aspx
  2. https://www.bbb.org/
  3. https://www.ambest.com/home/default.aspx
  4. https://www.geico.com/save/discounts/car-insurance-discounts/
  5. https://www.progressive.com/glossary/comprehensive-and-collision/
  6. https://www.libertymutual.com/auto/car-insurance-coverage/bodily-injury-liability
  7. https://www.allstate.com/auto-insurance/auto-insurance-discounts.aspx